SALES STRATEGIES

Is Life Insurance The Missing Piece of Your Business?

The financial services industry is being disrupted by a perfect storm of regulatory and market pressures. Smart advisors are looking for better ways to help their clients and diversify their business. Adding life insurance to your practice can help you meet client needs for protection, potentially tax-free income and legacy planning.

As a marketing concept, PremiumLife™ has a strong appeal to clients who are seeking the benefits of a premium life, such as time, wealth, protection, luxury and legacy. Structured life products are complex, so our marketing materials are designed to make these concepts accessible and tie benefits directly to client financial goals and personal aspirations. Under the hood, our life insurance cases are designed with conservative, back-tested assumptions that seek to not over-sell the IUL opportunity, while highlighting potential benefits.

Behind each case stand UFC’s team of experts, who have over 200 years of combined experience serving clients with innovative insurance products. On average, our wholesalers each have over 20 years of industry experience. Even if you have little or no direct experience selling life insurance, we can get you trained, confident and closing deals quickly.

An advanced financial strategy that offers clients the protection of life insurance, plus the opportunity to create retirement income that is potentially tax-free.

Premium financing that allows HNW individuals to purchase the life insurance they need, while minimizing disruptions to their existing financial strategies.

PremiumLife™

What is PremiumLife™?

Help clients create income that is potentially tax-free.

Your clients face many risks to retirement success. Volatile markets, taxes, longer lifespans and high medical expenses can all increase the risk of running out of mo

How can life insurance help?

PremiumLife™ is an advanced financial strategy that offers clients the protection of life insurance, plus the opportunity to create retirement income that is potentially tax-free, while protecting against downside market risk and creating a legacy through a high-value life insurance policy.

How does a PremiumLife™ strategy work?

Inside each PremiumLife™ strategy is an Indexed Universal Life policy. An IUL is a permanent life insurance policy that accumulates cash value through interest credits, based on the performance of a stock market index. Policies aren’t directly invested in the stock market; instead, an option hedge strategy is used to buy the right to participate in gains, while the majority of premiums are invested by the insurance company in a general portfolio mostly containing high-grade bonds.

Download Our Workbook!

Who is an Ideal Prospect for PremiumLife™?

Download our workbook specifically designed to guide you through the process of identifying the best prospects for PremiumLife™ and provide targeted information to introduce the benefits of an Indexed Universal Life (IUL) policy.

PremiumLife Plus™

What is PremiumLife Plus™?

Help wealthy clients buy the life insurance they need with the bank’s money.

Connecting with HNW prospects is hard. What can you bring to the table that adds value and helps them solve their complex financial problems? Many HNW clients need permanent life insurance for legacy planning, business succession or asset protection purposes. However, these individuals are often pursuing high-return investments that they don’t want to disrupt to pay expensive premiums.

PremiumLife Plus™ is an advanced financial strategy that allows HNW individuals to purchase the life insurance they need, while minimizing the disruption to their existing finances. By financing premiums, clients may be able to limit their initial out-of-pocket costs, retaining their personal capital for other personal and business purposes.

How does premium financing work?

Instead of paying for the premium themselves, clients obtain a low-interest loan from a major lender to limit their initial out-of-pocket costs, while retaining their personal capital for other personal and business purposes. The loan is backed by the insurance policy’s cash value and the client’s existing financial assets, allowing for highly competitive loan rates.

Sophisticated clients that understand the benefits of leverage can use their existing wealth to build greater wealth, profiting from the difference between the interest they pay on the loan and the interest they can potentially accumulate in the life insurance policy based on credits that are not guaranteed, subject to market conditions.

Download Our Workbook!

Perfect Candidates for PremiumLife Plus™

Download our workbook specifically designed to guide you through the process of identifying the best prospects for PremiumLife Plus™ and provide targeted information to introduce the benefits of premium financing.

It is gratifying to see the life-changing differences our team can make for our advisors and their clients.

Vince Munno

Founder, CEO

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Ready to learn more? Request an invitation to discuss your growth goals with one of our marketing experts. We’re excited to share our proven strategies for success and show you how to access our library of ready-to-go campaigns. One of our experts will be in touch within one business day.

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Information provided is general and educational in nature, and is not intended to be, and should not be construed as, legal or tax advice. Universal Financial Consultants does not provide legal or tax advice. Laws of specific states or laws relevant to a particular situation may affect the applicability, accuracy or completeness of this information. Federal and state laws and regulations are complex and subject to change. Universal Financial Consultants makes no warranties with regard to the information or results obtained by its use. Universal Financial Consultants disclaims any liability arising out of an agent’s use of or reliance on, the information. FOR AGENT USE ONLY. NOT FOR SOLICITATION OR ADVERTISING TO THE GENERAL PUBLIC.